Business Overhead Expense (BOE) can help business owners protect their business and employees if the owner needs time to recover from a serious illness or injury.

Only 9% of long-term disability claims result from serious accidents. The remaining 91% come from common ailments like back and joint pain, chronic diseases, cancers, depression and pregnancy.

You are at the front-line to educate your Middle America clientele about the vital need for income protection in the event of an injury or sickness and how affordable it can be.

Critical Illness Insurance is one of the best kept secrets in the industry and provides advisors a great opportunity right now to meet more clients, help more families and increase sales.

Helping clients make the connection between income protection and Individual Disability Insurance could go a long way toward growing your business.

The value is high and the premiums are low.  People recognize their exposure and will be glad you offered them a solution!

We have partnered with the nation’s Top Carriers to provide your clients with Employee Assistance Programs (EAP) that best suit their demographics and needs.

This product portfolio includes Accident Only, Short-Term Disability (accident/sickness), Long-Term Disability (accident/sickness) and Business Operating Expense.

Stories are a good way to get people to accept what you are selling.  Telling the right story in the right way can be a powerful form of persuasion. 

According to a CNBC study, 36% of American’s making over $100,000 a year, said they aren’t contributing a dime to retirement savings such as a 401k or IRA account.